Two priorities to start a business – after business registration, opening a business account will be the next!
For companies registered in Hong Kong, whether your connected parties* are Hong Kong or mainland China residents, located in Hong Kong or mainland China,
you can open your company account fully online via desktop and mobile^ in as fast as 3 days^^

From now until 31 May 2024, you can enjoy up to HKD1,300 3 cash rebates upon successful application of the Hang Seng Business Integrated Account1 with designated monthly average balance2.

During the first 3 calendar months upon successful account opening, you will be entitled for a cash rebate of HKD400 for every month you maintain the monthly average balance of Hong Kong Dollar current account and savings account at HKD400,000 or above.
If the required amount is maintained for three consecutive months, you will receive an extra cash rebate of HKD100. The maximum cash rebate can reach up to HKD1,300!
The number of month(s) your monthly average balance reaching HKD 400,000 or above Accumulated cash rebate amount
Any 1 month HKD400
Any 2 months HKD400+400 = 800
3 consecutive months HKD400+400+400+100 = 1,300
1. The application of the Said Account must be submitted on or before 31 May 2024 & the account must be opened successfully on or before 30 June 2024.
2. Monthly average balance is calculated based on the new fund deposited into the Hong Kong Dollar Current Account and Saving Account, excluding time deposit.
3. The Said Account must remain valid at the time of cash rebate being credited, otherwise, the cash rebate will be deemed to be forfeited automatically.

Terms and Conditions for the 2024 Hang Seng Commercial Bank New-to-Bank Promotion


Discount of HKD300
on the account opening administrative fee##
First 12-month fee waiver on Monthly Fee**

protection_icon Guaranteed Hassle-Free Account Opening: No charges in case of an unsuccessful application!

Currency risk
Foreign Exchange involves Exchange Rate Risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts HK$ to foreign currency or vice versa.

RMB currency risk
Renminbi ("RMB") is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.

Open your company account fully online via desktop or mobile is equally convenient in 3 steps!
Step1
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Step2
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Step3
1. Submit an application by providing your company's details
2. Complete digital ID verification
3. Complete e‑Sign
Apply for the essential services in one go to level up your business!
card
Apply for Company Account + Company Card

New customer to set up business account and Commercial World Mastercard online in one go!
Apply now
loan
Apply for Business Account + Business Loan

Apply for Business Loan online to know the result in as fast as 10 seconds. Start two applications simultaneously!
Apply now
Are you primarily concerned about the account opening fees?
At Hang Seng Commercial Banking, we prioritize your company's business growth needs. We offer a wide range of essential business services and e-Banking privileges worth more than HK$88,888 !


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SME Mobile Collection Service
Enjoy a discount on first-time set up fee, annual fee and transaction fee provided by QFPay and Spectra. Worth up to HK$4,280
Virtual Account Receivable Solution
Discount on first-time set up fee, annual fee and etc. worth up to HK$22,800
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Payroll
Enjoy free payroll services

Integrated autopay solution provides you a hassle free service to pay business payment in bulk
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FPS
Enjoy the first 2 months’ transaction fee waiver for FPS Outward Payment (max. 100 transactions a month worth up to HK$2,000)
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Remittance
Enjoy the first 2 months’ handling fee waiver for Inward Remittance and online Outward Remittance transactions (max. 120 transactions a month worth HK$45,600)
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Foreign Exchange
Up to 140 basis points exchange rate premium for converting major foreign currencies into Hong Kong Dollars
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Hang Seng Commercial World Mastercard and Virtual Card
Successfully apply Commercial World Mastercard to enjoy $600 +FUN Dollars Rebate and 2 years annual fee waiver (HK$1,960) on your cards

50% off set up fee for Virtual Card Service (HK$2,500)

2.8% unlimited rebate### for foreign currency online spending at the designated overseas registered merchants
Learn more
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Investment
Enjoy HK$0 brokerage fee (up to HK$6,000) on buy and sell trades of Hong Kong Stocks, SSE and SZSE Securities

50% off on subscription fee (up to HK$3,000) for investment funds distributed by Hang Seng Bank
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Trade
30% off the first year’s handling commission for Bank Guarantee (up to HK$800) [Applicable to Integrated Business Solutions Account only]
Terms and conditions of the above offers

##If the Business Integrated Account is opened via remote account opening and without Face-to Face appointment, the account opening administrative fee is HK$1,000. An additional fee of HK$300 will be charged for application submitted via Business Banking Centre.
**Only applicable to Biz Virtual+ Account
Application Requirements: (i) All connected parties of the Applicant such as directors, shareholders and authorized signers shall be as HKID cardholder(s), with single layer ownership. Place of incorporation, registered address, business address and correspondence address should all be in Hong Kong; (ii)The Applicant’s annual sales turnover meets with Hang Seng’s designated level; (iii)The Applicant is required to apply for Hang Seng Business e‑Banking separately. The Maximum Daily Limit(s) under Hang Seng Business e‑Banking either Fund Transfer to Designated Beneficiary Accounts or Fund Transfer to Non-Designated Beneficiary Accounts should not be over HK$200,000 each; and (iv) The Applicant has not entered into and will not enter into the Trade Finance General Agreement with Hang Seng.

###2.8% rebate includes 2% cash rebate promotion, 0.4% rebate for all foreign currency online spending and 0.4% +FUN Dollars rebate for every spending.
Two types of Integrated Business Account to suit different business needs!
Compare accounts
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Biz Virtual+ Account
Suitable for start-ups or businesses that are started to grow
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Integrated Business Solutions Account
Suitable for SMEs and well-established corporates who require a full range of banking services to meet sophisticated business needs
Looking for better Business e‑Banking for your business? Hang Seng is here to support!
Learn more
Remarks:

*The applicant’s connected party(ies) include Directors, Authorised Signers, Principal Shareholders, Beneficial Owners , Key Controllers and Direct Appointees.

^To apply online ("remote account opening service"), the applicant’s connected party(ies) must hold a Hong Kong or mainland China’s Resident Identity Card. Also, the applicant’s connected party(ies) has/ have to be physically located in Hong Kong or mainland China when submitting the application, completing digital ID verification and e‑Sign successfully. The eligibility of applicants for remote account opening is subject to the final and absolute discretion of Hang Seng Bank Limited.

^^For application with all connected party(ies) who are HKID holders and located in Hong Kong, the Business Integrated Account can be opened in as fast as 3 business days for the Biz Virtual+ Account/5 business days for the Integrated Business Solutions Account upon completing Digital ID Verification and e‑Sign by the aforementioned connected party(ies). Customer(s) will receive a SMS notification for e‑Sign after the(1) satisfactory review of the documents submitted, (2) successful completion of digital ID verification and (3) completion of Know Your Customer (“KYC”) call(s). For customers requiring a face‑to‑face appointment at Business Banking Center(s) (if applicable), an appointment will be arranged based on the latest availability.